Kia EV9 Novated Lease — Cost Summary (Australia, March 2026) Recommendation Item Detail Vehicle Kia EV9 Air MY26 (only FBT-exempt variant) Lease term 5 years (lock in before FBT exemption review mid-2027) Provider Smart (~8.3–8.4% effective interest rate) Pre-tax fortnightly deduction ~$690–$770
Singapore & Penang Family Trip — November 2026 Overview Detail Info Travellers 2 adults, 4 children Singapore 13–18 November (5 nights) Penang 19–22 November (3 nights) — APSR Conference Return 22 Nov evening PEN→SIN, 23 Nov fly home